I think it could be covered by your credit card insurance since it's treated as a rental although it's free? Could be wrong.
'12 BSM w/ Coral red dakota 328i Sport Line, Premium, 40% tint
'11 Deep Sea Blue E92 335i XDrive, M3 spolier, black grille
'08 Jet Black E92 328xi, Premium, Sport, iPod, Black Grille, GP Thunder, Painted Reflectors